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What's Covered?
How Pet Insurance Plans by Spot Work
Visit Any Vet
No vet restrictions! Visit any vet in the U.S. or Canada.
Submit Your Claim
Send us your bill online, in our app, or via fax.
Get Paid!
Get cash back quickly for covered vet bills either direct deposit or check – you pick.
Affordable Plans for Cats & Dogs
Life is full of surprises. Spot helps pet parents plan for them through easy and simple pet insurance options that can be used at your licensed vet in the US or Canada.
Happy Pet Parents Trust Spot
Rated 4.7 / 5 based on 4,696 reviews
It was simple to send in my claim and…
It was simple to send in my claim and my reimbursement should be all set by tomorrow
Fast service
Spot is very fast with claim processing.
Glad I have insurance.
Im sad to have to use/need the insurance. Quick reimbursement. Easy to submit through the app. But so glad I have it.
Good service
Good insurance. Quick response. Glad I got it
So far all has been great
So far all has been great. No issues inputting request for reimbursement and has been completed promptly.
Happy pet, happy family!
First the information in all your ads were not only attractive/but tackled the foremost questions a person considers when looking for coverage for their pet. Paper work is very simple add and refunds handled with lightning speed.😉
Outstanding Experience!
We have had a great experience with Spot pet insurance. The only issue we ran into was I downloaded the PDF and emailed my claim. if you do this the email can get lost in the clutter. Once we completed the form online or the App I have heard, our claim was pushed through within days. If you love your pet and are concerned about the high cost of veterinary care, I highly recommend this company.
It was super fast and easy!!
It was super fast and easy!!! It covered everything it said it did.
Easy and fast reimbursment/claims…
Easy and fast reimbursment/claims process
The online claim submission process is…
The online claim submission process is generally user-friendly, with most services providing clear instructions and electronic filing options. The ability to submit claims directly through a website or app is a game-changer, saving time and reducing paperwork. AWESOME!!!
Frequently Asked Questions
Have questions about pet insurance and how it works? Don't worry, we've got you covered.
What Do Pet Insurance Plans Provided by Spot Cover?
Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.
Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.
You may use any licensed veterinarian in the US.
For a full list of terms and conditions, click here to view a sample policy.
Can I Get Reimbursed for Routine Teeth Cleanings?
Base level plans provided by Spot do not cover routine teeth cleanings.
However, Spot accident & illness plans cover treatments for dental illnesses. The only treatment covered for dental accidents is tooth extractions.
To get reimbursed on routine cleanings for your dog or cat’s general wellbeing, you’ll need to add preventive coverage to your base plan for a little extra cost per month.
What is a Pre-Existing Condition?
A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.
Plans provided by Spot do not cover pre-existing conditions. However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.
What is the Best Age to Insure My Pet?
Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pets at a young age. You can enroll your pet in a plan from Spot as soon as they’re 8 weeks old. Don’t let your pet develop a “pre-existing condition” before they’re insured.
Does Pet Insurance Cover Exam Fees?
Not all pet insurances cover exam fees. Spot plans cover exams for covered conditions.
Routine wellness exams are not covered by base level plans provided by Spot, and they are only covered under Spot’s Preventive Care plans, which you can add on to your base level plans for a little extra cost.